Emirates Skywards credit cards

Earn points as you spend with Emirates Skywards and spend them on free flights, upgrades and much more.

By   |   Verified by David Boyd   |   Updated 4th May 2022

Comparing Emirates Skywards credit cards

American Express Explorer Credit Card

On American Express' website

Rewards program

Membership Rewards Gateway

Points per $1 spent

2 points

Sign up bonus

100,000 points

Annual fee

$395.00 p.a. ongoing

Highlights

  • Receive 100,000 Bonus Membership Rewards Points when you apply online, are approved and spend $4,000 on your new Card within the first 3 months. T&Cs apply. New Card Members only.
  • Receive a $400 Travel Credit each year towards any flights, hotels and car hire when you book online with this card.
  • Earn 2 Membership Rewards points per $1 spent on purchases except government bodies in Australia where you will earn 1 point per $1 spent (uncapped).

Pros

  • The 100,000 bonus Membership Rewards Points when approved and reach spend requirement within the first 3 months.
  • $400 travel credit every year.
  • Get 2 complimentary airport lounge passes per year.

Cons

  • The $395 p.a. annual fee.
American Express Platinum Edge Credit Card

On American Express' website

Offer extendedApply by 31 May 2022

American Express Platinum Edge Credit Card

Rewards program

Membership Rewards Ascent

Points per $1 spent

3 points

Sign up bonus

N/A

Annual fee

$0.00 for 1st year

Highlights

  • Enjoy $0 Annual Card Fee (usually $195) in the first year when you apply by 31 May 2022 and are approved. T&Cs apply. New Card Members only.*
  • Earn 3 Membership Rewards points per $1 spent at major supermarkets and petrol stations.
  • Enjoy $200 to spend on travel each year that can be used on eligible flights, hotels, or car hire when booked through American Express Travel.

Pros

  • $0 annual fee in the first year.
  • Receive $200 to spend on eligible domestic and international flights, hotels, or car hire with American Express Travel.
  • Smartphone Screen Cover for smartphone screen repairs up to $500.

Cons

  • The standard purchase rate of 20.74%
American Express David Jones Platinum Credit Card

On American Express' website

Apply by 29 June 2022

American Express David Jones Platinum Credit Card

Rewards program

Membership Rewards, Qantas Frequent Flyer

Points per $1 spent

1 point

Sign up bonus

$450.00

Annual fee

$295.00 p.a. ongoing

Highlights

  • Earn $450 back when you apply online by 29 June 2022, are approved and spend $1,500 at locations excluding David Jones on your new card within the first three months. Available to new American Express David Jones Platinum Credit Card Members only.
  • Earn 4 Reward Points per $1 spent on purchases made at David Jones and 3 Reward Points per $1 spent at major supermarkets and petrol stations.
  • Receive two complimentary entries per year to the American Express Lounge at Sydney International Airport or Melbourne International Airport

Pros

  • Earn $450 back when you meet the criteria.
  • Choose the rewards program that suits you best, Membership Rewards or Qantas Frequent Flyer.
  • Includes complimentary travel insurance.
  • Receive two complimentary entries per year to the American Express Lounge at Sydney International Airport or Melbourne International Airport.

Cons

  • The annual fee of $295 p.a.
American Express Platinum Card

On American Express' website

Rewards program

Membership Rewards Ascent Premium

Points per $1 spent

2.25 points

Sign up bonus

150,000 points

Annual fee

$1,450.00 p.a. ongoing

Highlights

  • Receive up to 200,000 Bonus Membership Rewards Points That’s 150,000 Bonus Membership Rewards Points when you apply online, are approved and spend $5,000 on your new Card within the first 3 months. Plus, an additional 50,000 Bonus Membership Rewards Points in Year 2 upon fee renewal. T&Cs apply. New Card Members only.
  • Receive a $450 Platinum Travel Credit each year, which can be redeemed for flights, hotels or car hire.
  • Earn 2.25 Membership Rewards points per $1 spent on all purchases, except for spend with government bodies in Australia, where you will earn 1 point per dollar spent. Points earning is uncapped.

Pros

  • Receive up to 200,000 Bonus Membership Rewards Points when you meet the criteria.
  • Receive a $450 Platinum Travel Credit each year.
  • Get airport lounge access.

Cons

  • The annual fee of $1,450.
American Express Business Explorer Credit Card

On American Express' website

Rewards program

Membership Rewards Gateway

Points per $1 spent

2 points

Sign up bonus

120,000 points

Annual fee

$0.00 for 1st year

Highlights

  • Receive 120,000 bonus Membership Rewards points when you apply by 2 June 2022, are approved and spend $3,000 on your card within the first 3 months. New American Express Card Members only.
  • $0 first-year annual card fee ($149 p.a. thereafter).
  • Enjoy a low interest rate of 3.99% p.a. on new purchases for the first 6 months of Card Membership (reverts to 19.99% p.a. thereafter).

Pros

  • Receive 120,000 bonus Membership Rewards points when you apply by 2 June 2022, are approved and spend $3,000 on your card within the first 3 months. New American Express Card Members only.
  • $0 first-year annual card fee ($149 p.a. thereafter).
  • Enjoy a low interest rate of 3.99% p.a. on new purchases for the first 6 months of Card Membership (reverts to 19.99% p.a. thereafter).

Cons

  • There is no balance transfer offer for this card.
  • Cash advances are blocked, which might be inconvenient for some.
American Express Business Card

On American Express' website

Rewards program

Membership Rewards Ascent

Points per $1 spent

1.5 points

Sign up bonus

N/A

Annual fee

$109.00 p.a. ongoing

Highlights

  • Earn 1.5 Membership Rewards points for each dollar spent.
  • No pre-set spending limit means more flexibility.
  • Extend your cash flow up to 51 days.

Pros

  • Earn Membership Rewards points on spend, including at the ATO (at a lower earn rate).
  • Add up to 99 additional cardholders managed with a single account.
  • Complimentary insurance cover for business trips.
  • No preset spending limit.

Cons

  • There's a $80 fee to enrol in the Membership Rewards program.
  • ATO spend earns at the lower rate of 1 point per $1 spent.
American Express Gold Business Card

On American Express' website

Rewards program

Membership Rewards Ascent

Points per $1 spent

1.5 points

Sign up bonus

100,000 points

Annual fee

$169.00 p.a. ongoing

Highlights

  • Receive 100,000 bonus Membership Rewards points when you apply by 29 June 2022, are approved and spend $1,000 on your card within the first 2 months. New American Express Card Members only.
  • Earn up to 1.5 Membership Rewards point for every $1 spent.
  • No pre-set spending limit means more flexibility.

Pros

  • Receive 100,000 bonus Membership Rewards points when you meet the criteria.
  • Earn up to 1.5 Membership Rewards point for every $1 spent.
  • No cap on how many points you can earn.
  • No pre-set spending limit means more flexibility.
  • Membership Rewards points can be transferred to a number of airlines, giving you options when booking travel.

Cons

  • The $119 fee for every additional card added.
  • Doesn't offer airport lounge access.
  • No access to concierge services.
American Express David Jones Credit Card

On American Express' website

Rewards program

Membership Rewards, Qantas Frequent Flyer

Points per $1 spent

3 points

Sign up bonus

$200.00

Annual fee

$99.00 p.a. ongoing

Highlights

  • Earn $200 back when you apply online by 29 June 2022, are approved and spend $1,500 at locations excluding David Jones on your new Card within the first three months. Available to new David Jones American Express Card Members only.
  • Earn up to 3 Reward Points per $1 spent at major supermarkets and petrol stations; 2 Reward Points per $1 spent at David Jones; 1 Reward Point per $1 spent elsewhere.
  • Enjoy invitations to exclusive Card Member sales previews, shopping nights and events.

Pros

  • Earn $200 back when you meet the criteria.
  • Enjoy invitations to exclusive Card Member sales previews, shopping nights and events.
  • Choose the rewards program that suits you best, Membership Rewards or Qantas Frequent Flyer.

Cons

  • Additional cards come with an annual fee, which can quickly add up.
  • You won't earn points when paying government bodies, e.g. tax at the ATO.
  • Doesn't come with access to a concierge service.
The American Express Essential Credit Card

On American Express' website

Rewards program

Membership Rewards Gateway

Points per $1 spent

1.25 points

Sign up bonus

N/A

Annual fee

$0.00 p.a. ongoing

Highlights

  • Get $200 back when you apply, are approved and spend $1,500 on your card in your first 3 months of Card Membership. T&Cs apply. New Card Members only.
  • 0% p.a. annual fee.
  • Earn 1.25 Membership Rewards Gateway points for every $1 spent on everyday purchases, utilities, insurance and telecommunications.

Pros

  • Get $200 back when you meet the criteria.
  • $0 p.a. annual fee with the ability to earn points on your everyday spend.
  • Membership Rewards points can be transferred to several airlines for greater choice when redeeming for flights.
  • Comes with up to $500 of Smartphone Screen Cover.
  • Low 14.99% p.a. on purchases and up to 55 days interest-free when you clear the previous balance.

Cons

  • Doesn't come with travel insurance.
  • No access to concierge services.
  • There is no introductory balance transfer offer.
Citi Rewards Card Balance Transfer and Purchase Offer

Citi Rewards Card Balance Transfer and Purchase Offer

Rewards program

Citi Rewards

Points per $1 spent

1 point

Sign up bonus

N/A

Annual fee

$49.00 for 1st year

Highlights

  • 0% p.a. for 14 months on purchases and balance transfers. Balance transfer reverts to cash advance rate.
  • Discounted annual fee of $49 in the first year ($149 p.a. thereafter).
  • Complimentary mobile phone insurance.

Pros

  • 0% p.a. on balance transfers and purchases for the first 14 months.
  • No balance transfer fee.
  • Discounted annual fee of $49 in the first year ($149 p.a. thereafter).
  • Complimentary mobile phone insurance.

Cons

  • Balance transfer reverts to 22.24% p.a. cash advance rate after 14 months.
Citi Rewards $400 Cashback offer

Citi Rewards $400 Cashback offer

Rewards program

Citi Rewards

Points per $1 spent

1 point

Sign up bonus

N/A

Annual fee

$99.00 for 1st year

Highlights

  • $400 cashback when you spend $3,000 on eligible purchases using Apple Pay within 90 days from approval. Terms and Conditions apply.
  • 0% p.a. for 15 months with no balance transfer fee. Reverts to cash advance rate. Please note, no interest free days apply to retail purchases while you have a balance transfer.
  • Discounted annual fee of $99 in the first year ($149 p.a. thereafter).

Learn all about Emirates Skywards credit cards

  • Q&As

What's so good about Emirates Skywards?

Emirates and Citi have formed a partnership, offering flyers a wide range of exclusive products and services. For every dollar you spend on retail purchases using your Emirates credit card you earn points, all of which are collected in your Skywards account and can be redeemed for rewards.

It does not cost you anything to join the Emirates Skywards program. All you have to do is complete a simple application and you can become a member in no more than five minutes. From there, you can enjoy special benefits every time you fly with Emirates. With the Miles you earn, you can select from a variety of flight and upgrade rewards.

The Skywards program is tiered, making it easy for you to gain a higher level of benefits as time goes by. Remember, you must always reference your nine digit Skywards membership number when making a reservation, checking into a hotel, or dealing with one of their partner companies. This will ensure that your Miles are credited to your account without delay. You only earn tier Miles when you fly Emirates. With these, you can make progress towards the Skywards Silver and Gold membership levels. Once you reach a new tier, you hold onto this status for at least the next 12 months. You need 25,000 tier Miles to earn Silver status and 50,000 Miles to step-up to Gold membership.

How can I earn more Skywards Miles?

A Skywards membership gives you the chance to earn Miles in three ways: through flights with Emirates; through partner airlines; through non-flight partners, including InterContinental Hotels, Hertz, Citibank, Damas, Jumeirah, and many others. For every dollar you spend, you will earn a certain number of Skywards Miles (which can vary depending on the offer or any promotions running at that time). When compared to cards linked with the Qantas or Velocity programs, Skywards linked credit cards often have one of the best earn rates for points.

What can I spend my Skywards Miles on?

Redeeming your Miles is a simple and straightforward process. Although the most popular reward is flights to destinations all over the world, you can also use your Miles in other ways such as to shop at The Emirates High Street or to upgrade your airline seats. Some of the best ways to redeem your Miles include:

  • Flights: You can fly with Emirates or partner airlines to more than 100 destinations worldwide. Making this benefit even better, you can book a ticket for as few as 10,000 Miles.
  • Upgrade your seats: With as few as 7,500 Skywards Miles, you can upgrade your travel class from economy to business or business to first class.
  • Hotels: Are you looking for somewhere to stay once you arrive? With Skywards Miles you can book many hotels around the world.
  • Lifestyle rewards: No matter where life takes you, you can use your Skywards Miles for a variety of leisure activities.

What rewards are available?

Skywards is Emirates’ award-winning frequent flyer scheme, one of Emirate credit cards’ most rewarding offers with plenty of exclusive travel perks available to Australians. The scheme allows you to gain access to luxury airport lounges, world-class airline accommodation, car rental, chauffeured services to and from Australian airports, hotels and other products while earning Skywards Miles from Emirates flights.

What tiers of membership are there?

Skywards from Emirates offers three membership tiers, Blue, Silver and Gold. Each tier offers a greater degree of benefits and privileges and flyers progress through each depending on their flying frequency.

How are Skywards points earned?

Cardholders earn points when flying with Emirates or partner airlines, making retail purchases using an Emirates credit card and when doing business transactions with other Skywards credit card partners, including car rental, leisure products, financial services, hotels, resorts and more.